TY  - THES
N1  - Promotor :
Prof. H. Hadri Kusuma, M.B.A., Ph.D dan Dr. Misnen Ardiansyah, S.E., M.Si., Ak., CA., ACPA.
ID  - digilib50662
UR  - https://digilib.uin-suka.ac.id/id/eprint/50662/
A1  - Budi Kolistiawan, NIM.: 18300016029
Y1  - 2022/03/31/
N2  - The objectives of this study is to analyze the determinants of
financing decisions in Islamic banks by developing the Theory of
Reasoned Action. A total of 250 persons from Special Region of
Yogyakarta were polled for this study. The technique employs
quantitative method based on the positivist philosophy to generalize
samples from specific populations, gather data utilizing questionnaire
research instruments, and conduct quantitative analysis to evaluate the
hypotheses. The study uses Structural Equation Modeling (SEM) for
the analytical method as it describes the structural relationship of the
data, by the use of SmartPLS 3.0 software. According to the findings,
the variables of attitude, subjective norm, intention, and religiosity all
had a substantial beneficial impact on the financing decisions in
Islamic banks. However, the Islamic financial literacy variable has no
effect on the decision making. Based on the results of this study, the
Theory of Reasoned Action is successfully constructed by
incorporating religiosity as a moderating variable, and is able to give
a considerable and favourable influence on the variable of intention on
making finance in Islamic banks. While the Islamic financial literacy
as a moderating variable is unable to contribute to the decision
making. This research suggests that customers who are knowledgeable
about Islamic finance are more likely to be unsatisfied with the bank
financing products. As a result, Islamic banking must adhere to
Islamic principles in its operational activities.
PB  - UIN SUNAN KALIJAGA YOGYAKARTA
KW  - theory of reasoned action (TRA); financing decision; Islamic
Banks; pembiayaan syariah
M1  - doctoral
TI  - DETERMINAN KEPUTUSAN PEMBIAYAAN
DI BANK SYARIAH: PENGEMBANGAN THEORY OF
REASONED ACTION
AV  - restricted
EP  - 273
ER  -